Tim Richards

A very long time ago Tim’s first job was to work out how to use smart cards and cryptography to build a payment system. Since then he’s worked with clients in over 70 countries and been involved in most major initiatives in retail payments including EMV, contactless and tokenization, with a sideline in other security related programs such as transit ticketing and digital identity. In recent years he’s focused more on instant payment initiatives including PSD2 / Open Banking, digital wallet initiatives, Central Bank Digital Currencies and cross-border payment initiatives